is in order. From now on, if you want what were routine returns a few years ago (in the 10-20% range) you'd better be prepared to take big risks (BRIC stocks, for example). If you want a safe, sustainable return in a stable economy, you'd better be prepared to accept 3-5%.

The 2008 bubble was the last throes of "everyone deserves a huge return", and it killed the goose that laid those eggs. Now only vultures are extracting that sort of return.

It is rightly acknowledged that people of faith have no monopoly of virtue
- Queen Elizabeth II